Public adjuster is a licensed insurance professional who represents homeowners and business owners in the process of filing and negotiating insurance claims. Unlike insurance company adjusters, who work on behalf of the insurer, public adjusters work exclusively for the policyholder to help maximize their insurance payout after a loss.

If you’ve experienced property damage due to fire, flooding, storm, or another disaster and feel overwhelmed by the insurance claims process—or believe your insurance company is offering less than you deserve—a public adjuster can be a valuable advocate.

Key Roles of a Public Adjuster

Public adjusters perform a variety of tasks to help policyholders navigate and maximize their insurance claims, including:

1. Damage Assessment:

   • Public adjusters conduct a detailed inspection of your property to assess the full extent of the damage.

   • They document the damage with photos, videos, and detailed notes.

2. Policy Review:

   • They carefully review your homeowners insurance policy to understand your coverage, limits, exclusions, and deductibles.

3. Claim Preparation:

   • Public adjusters help prepare and file your insurance claim, including creating an inventory of damaged or lost items and estimating the cost of repairs or replacement.

4. Negotiation with the Insurance Company:

   • They handle all communications with your insurance company, including negotiating a fair settlement on your behalf.

   • Public adjusters use their expertise to challenge lowball offers, address claim denials, and ensure you receive the maximum compensation you’re entitled to.

5. Documentation and Paperwork:

   • They manage the paperwork and administrative tasks involved in filing your claim, saving you time and reducing stress.

When Should You Hire a Public Adjuster?

While not every claim requires the help of a public adjuster, they can be especially beneficial in certain situations, including:

1. Large or Complex Claims:

   • If your property has sustained significant damage (e.g., from a fire, hurricane, or flood), a public adjuster can ensure that all damages are properly assessed and documented.

2. Underpaid Claims:

   • If you believe your insurance company’s settlement offer is too low, a public adjuster can provide a second opinion and negotiate a higher payout.

3. Claim Denials:

   • If your claim has been denied, a public adjuster can help gather additional evidence and challenge the denial.

4. Lack of Time or Expertise:

   • If you don’t have the time, energy, or expertise to navigate the claims process on your own, a public adjuster can handle it for you.

How Are Public Adjusters Paid?

Public adjusters typically charge a contingency fee, which is a percentage of the final settlement amount. This means they only get paid if you receive a payout. The fee usually ranges from 5% to 15%, depending on the size and complexity of the claim.

• Smaller Claims: Fees may be on the higher end (closer to 15%).

• Large Claims: Fees may be on the lower end (closer to 5%).

Note: Some states have regulations that cap the maximum fee a public adjuster can charge.

Benefits of Hiring a Public Adjuster

1. Maximize Your Settlement:

   • Public adjusters are skilled negotiators who know how to uncover hidden damages and challenge low settlement offers.

2. Reduce Stress:

   • By handling the paperwork, documentation, and negotiations, public adjusters take the burden off your shoulders.

3. Save Time:

   • They streamline the claims process, helping you avoid delays and ensuring your claim is handled efficiently.

4. Expert Knowledge:

   • Public adjusters have in-depth knowledge of insurance policies, construction costs, and the claims process, which gives them an advantage when negotiating with insurance companies.

5. Advocacy:

   • Unlike insurance company adjusters, who prioritize the insurer’s interests, public adjusters are dedicated to advocating for you and securing the best possible outcome.

How to Choose the Right Public Adjuster

When hiring a public adjuster, it’s important to do your research and choose someone reputable. Here are some tips:

1. Check Licensing and Credentials:

   • Ensure the adjuster is licensed in your state. You can verify their license through your state’s Department of Insurance.

2. Look for Experience:

   • Choose a public adjuster with experience handling claims similar to yours (e.g., fire damage, water damage, hurricane claims).

3. Read Reviews and Ask for References:

   • Check online reviews and ask the adjuster for references from previous clients.

4. Understand the Fee Structure:

   • Ask about their fees upfront and make sure you understand how much they will charge.

5. Avoid Red Flags:

   • Be cautious of adjusters who pressure you into signing a contract, make unrealistic promises, or lack proper licensing.

Public Adjuster vs. Insurance Company Adjuster: What’s the Difference?

Conclusion

A public adjuster can be a powerful ally when dealing with homeowners insurance claims, especially if you’re facing a complex, underpaid, or denied claim. By advocating for you, handling the paperwork, and negotiating with the insurance company, they can help ensure that you receive the maximum compensation you’re entitled to.